Separate gain types
Enter short-term and long-term gains separately because their federal rate treatment differs.
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2026 Investment Tax Planning
2026 Capital Gains Tax Calculator
Short answer: Estimate 2026 federal tax on short-term and long-term capital gains using filing status, ordinary income, the standard deduction, and selected-year thresholds.
IRS-sourced tables
No account required
Tax Year
2026 planning estimates for income earned in 2026
2026 IRS inflation-adjusted tables; returns generally filed in 2027. Last reviewed June 16, 2026.
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Short-term gains (assets held one year or less) are taxed as ordinary income. Long-term gains use the 2026 0%, 15%, or 20% thresholds and do not include NIIT.
Capital Gains Calculator
Calculate tax on your investment gains, including both short-term and long-term capital gains.
Disclaimer: This calculator provides estimates based on selected-year federal brackets, standard deductions, Social Security wage bases, and long-term capital-gain thresholds. It does not account for state taxes, AMT, NIIT, QBI, most phase-outs, refundable-credit limits, local taxes, or every deduction and credit. Results are for informational purposes only. For personalized tax advice, consult our tax professionals.
IRS-source-backed estimate
Tax data used by this calculator
The estimator uses selected-year federal brackets, standard deduction amounts, long-term capital-gain thresholds, Child Tax Credit amounts, and Social Security wage bases from official IRS and SSA sources. For a deeper walkthrough, read the 2025 and 2026 federal tax calculator guide.
IRS federal income tax rates and bracketsIRS 2026 inflation adjustmentsIRS Rev. Proc. 2025-32 OBBBA adjusted itemsIRS Child Tax CreditSSA Social Security contribution and benefit baseIRS Topic 409: Capital Gains and LossesIRS self-employment tax guidanceIRS Form 1040-ES and instructionsIRS Publication 505: withholding and estimated taxIRS Topic 751: Social Security and Medicare withholding rates
Capital-gain stacking
Estimate short- and long-term gains in the right income order
The calculator treats short-term gains as ordinary income and stacks taxable long-term gains above ordinary taxable income before applying the selected-year 0%, 15%, and 20% federal thresholds.
Include ordinary income
Ordinary taxable income uses lower capital-gain threshold space before long-term gains are applied.
Review exclusions
NIIT, collectibles, depreciation recapture, Section 1202, state taxes, and carryovers are not modeled.
Illustrative long-term gain example
A single filer can enter $75,000 of ordinary income and $20,000 of long-term gains to see how the standard deduction and ordinary taxable income affect the gain amount falling into the selected-year 0% or 15% range. The estimate excludes NIIT and state tax.
Calculator limitations
What this federal estimate does not cover
The calculator is built for planning and search transparency. It is intentionally conservative about exclusions so taxpayers know when to request a reviewed estimate.
State and local income taxes are not included.
AMT, NIIT, QBI, EITC, refundable-credit limits, education credits, and most phaseouts are not calculated.
Age 65 or older, blind taxpayer, retirement-plan deductions, HSA deductions, student loan interest, and detailed itemized-deduction limits are not yet modeled.
Self-employment estimates use the selected-year Social Security wage base and Medicare rates, but final Schedule SE results can differ.
Capital gains estimates exclude NIIT, collectibles, Section 1202 stock, unrecaptured Section 1250 gains, wash sales, and carryover-loss details.
The result is not a filed return, IRS software, or a guarantee of refund or tax due.
2026 Capital Gains Tax Calculator FAQ
What is the difference between short-term and long-term capital gains?
Gains on assets held one year or less are generally short term and taxed as ordinary income. Gains on assets held more than one year may use long-term federal capital-gain rates.
Why does the calculator ask for ordinary income?
Long-term gains stack above ordinary taxable income, so ordinary income can use some or all of the lower capital-gain threshold ranges.
Does the calculator include the Net Investment Income Tax?
No. The 3.8% NIIT is not included.
Does this calculate tax on collectibles or real-estate depreciation recapture?
No. Collectibles, unrecaptured Section 1250 gain, depreciation recapture, and other special-rate categories are excluded.
Does this include state capital-gains tax?
No. The result is a federal estimate only.
Related resources
More help after the tax estimate
Use these pages for tax preparation, bookkeeping, IRS notices, and deeper planning context.
2025 and 2026 federal tax calculator guideHow to calculate 2026 quarterly estimated tax payments2026 quarterly estimated tax calculator2026 self-employment tax calculator1099 tax calculator for freelancers2026 capital gains tax calculatorIndividual tax preparation servicesSmall business tax and accounting servicesTexas tax and accounting servicesKaty bookkeeping servicesIRS notice help in Katy TXTax planning strategiesSmall business accounting tips
How We Calculate
Our engine uses selected-year IRS-published federal tax tables, standard deductions, and capital-gain thresholds. It aggregates income, subtracts deductions, and applies marginal brackets to estimate the taxable base.
When to Update
Recalculate your estimate whenever you experience a major life event: marriage, a new child, a significant raise, or the purchase of a new home to ensure withholding accuracy.
Pro Tip
Plan ahead by reviewing tax-advantaged contributions, withholding, and estimated payments before key filing-year deadlines.
Need a reviewed estimate?
Calculators are helpful for planning, but complete tax documents can change the final number. Book a review with an IntegraFin tax professional.
Ready for a reviewed estimate?
Send your details through the contact form for team follow-up and next-step information.
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